The Granite Run Group at Morgan Stanley

LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs.

Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.

There's a chance your portfolio may be at risk, but how you manage that risk is what matters. Portfolio Risk Platform (PRP) is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.

Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it is vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.

One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. This tool helps us monitor client cash flows across both internal and external accounts. It also tracks the spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving your more money to spend and enjoy.

You have several choices for what to do with your qualified retirement plan when you leave a job. Deciding among them is an important step in managing your retirement savings over time.

While saving for a retirement is an important topic, it's at least as important as what comes next: Your plan of action once you enter retirement.

Discover how planning for required minimum distributions (RMDs) from retirement accounts can help you fund future needs and support loved ones.

Market volatility and longevity may be two of the biggest risks to your retirement. Learn how annuities can potentially help bolster your retirement income strategy.

Health savings accounts (HSAs) are savings vehicles that offer tax benefits and can help you cover what may be your largest expense in retirement: health care.

It's important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.

How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.

Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.

Your retirement has the potential to be the most fulfilling period of your life – but you need to have a plan for your time as well as your finances.

Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.

Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.

View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.

Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.

eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.

Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.

Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.

At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.

With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.

Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.

The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.

This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.

Morgan Stanley is an industry leader as it pertains to technology and innovation in the financial services space. Learn about the Modern Wealth Tools that the Team leverages to enhance their clients' experience in their "Modern Wealth Tools & Resources" section.

Managing an investment portfolio should be consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, the Team creates a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generation cash-flow/income as you require.

It is important to understand how taxes can affect after-tax returns on a basic level. It can be commonly understood that the realization of gains and payment of taxes will ultimately have an impact on the ending value of the investment portfolio, but by how much? Tax-Efficiency and Active Tax-Loss Harvesting are strategies targeted at minimizing these costs. This can be accomplished through proper asset allocation, calculated liquidation strategies across various holdings, tactical distributions and many more insights that the Team reviews with their clients to help them achieve their financial goals.

Budgeting can be the simplest of tasks and helps create a foundation in financial management, but often gets forgotten. The Team starts with a focus on inflows vs. outflows. Specifically, what are the planned contributions and distributions? By identifying the cash flows, your forecasted risk can be prudently determined by the Team. Forecasted risk is a combination of calculated risk and behavioral risk which pinpoints an appropriate framework for asset allocation and behavioral finance tendencies. These pillars will help you keep short-term and long-term objectives equally in the limelight while constructing your personal wealth plan.

The Team recognizes that clients and their families have unique needs that require dedicated experience and capabilities. Their goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.

Applying sophisticated analytical tools, models and applications, the Team is able to produce quantitative analysis of complex situations and scenarios. This helps quantify the implications of taking various courses of action, helping you make clear and informed decisions and ultimately solving the complex financial planning challenges you and your legacy can face. The Team works with you and your attorneys to help ensure your estate plan is aligned with your values and your aspirations for the next generation.

With one of Morgan Stanley's Core Values of "Giving Back", the Firm is deep rooted in serving the community that surrounds it. "Giving back is central to our culture and what it means to work at Morgan Stanley. We're proud to support innovative nonprofit organizations that make a difference across the globe, and to leverage the dedication, time and skills of our employees to drive impact where it's needed most" – Joan Steinberg, Global Head of Philanthropy and President of The Morgan Stanley Foundation.

Collaborating with your legal and tax advisors, the Team can help integrate charitable giving or philanthropy into your wealth plan so you may enhance the impact within your community and organizations. The Team is there at each stage to better define your mission and values as they create a sustainable and effective charitable or philanthropic strategy throughout your life.

The Team strives to maximize family wealth education, making it more likely that all members of your family will have the foundation they need to lead meaningful, fulfilled and engaged lives. This includes the dynamics of intergenerational wealth transfer and, when needed, providing personalized wealth education to prepare younger generations to be stewards of the wealth they will inherit.

Exiting your company in a way that supports your financial objectives, preserves business value, and positions your wealth to potentially achieve your legacy and multigeneration goals takes careful planning that begins years and many months in advance. The Team assists at each and every stage of the process, helping you map out and illustrate potential issues against your current timeline, all while working with your outside advisors to help ensure that you are properly positioned to help minimize taxes from the transaction.